It's time to move and gets things going. Still making unnecessary mistakes. One thing is no more debt, no more debt, no more debt.
I have used creditkarma.com to help me get my credit in order below is the list of debt that I can pay off in the next few months:
Merchants AD 58
Med Data Sys 132
MEA 139
1st Premier 173
JC Penney's 191
Credburserv 200
Rec Mgt Grp 348
Marybelle (little car) 5,058/12=421.50
State Tax Lien 8,743 (has to be paid in full)
Merchants AD, Med Data Sys, and MEA will be paid off at the end of the month. MEA has direct deposit. Once that is paid, I'll add another 75 to Marybelle's payment so that will make her be paid off sooner than it should. I'm tired of the debt. I've made many bad financial choices over the years. Now that I have a little boy, my decisions will not only affect me, but him too. I don't want him to have the financial issues that I have.
The above numbers are just the beginning of my debt. There are several student loans that don't seem to be going anywhere. I'm tired of getting phone call after phone call from my student loans. Don't have the money to pay the late payment in full. One sad thing after another. By the end of the year my credit score should be above 600.
Also, I'll be 40 in August and I want to move. Tired of my neighbors it's so sad! So many things are happening and I don't know where to start. One more thing, I started a Christmas account for 50 a month. This will help me get it together and prepare for the holidays for my baby and others. Plus, I want to do things with him that I didn't do growing up. We need to go on a big vacation once a year, he and I together. I also need to have my own vacation without him.
There's no clarity or focus, I have not. Then another thing came to mind. Do I want him to get a degree because if he gets a degree that means he'll be working for someone for the rest of his life. Wow, decisions.
Since I'm an older mom, I'll be able to retire by the time my baby is 16, go figure. The right things I didn't do before I need to do now. I've been looking on Pinterest finding ways to put money up. The next thing is to file my taxes and do right by the money that I receive. Pay some things off, get ahead on my mortgage. Did I mention I'm a month behind on my mortgage and car note. The story never ends.
Time keeps moving, I'm getting older, and debt keeps being an issue for me. Something has to give.
Thursday, January 15, 2015
Friday, November 28, 2014
Pessimism at Its Best
My life is so different now. Responsible for a baby is something that I never thought I would encounter. Never under these conditions. It's my reality and I'll say it's mine to own up to. I don't know where I'm going or what I'm doing, but it's my life to do with it as I will. The transition is a scary one and realizing the things that I wanted to do and didn't is hard. There are so many things that kept me from doing other things. I'm in a great place, but my thoughts get the best of me. For instance, worrying about a reality that my never come to fruition is something that I do on a regular basis. I'm sad more than happy. I look at things that I shouldn't, I make myself sad. This isn't the time to be doing that, but I do. As if something gets into my mind and it festers continuously.
Now isn't the time to be down. It's the holiday season, is my mind reliving my past. This time last year was something serious, but it's over now. To me life will repeat itself, if changes aren't made, but it repeats itself sometimes anyway.
Financial issues:
Student loans
Mortgage (month behind)
Car Note (month behind)
Medical bills (2,000)
Mom (2,000)
On top of that, it's time to move into a better situation. Wanting better for myself and him. He deserves to have a nice backyard that he can play in. A decent neighborhood that's safe and secure. His mother needs to sit down and organize her life. Something that I'm truly having a hard time doing. It seems like I just can't get right, no matter what. It's me, no time. Thoughts are cloudy, feel like I can't do anything. Always rushing, no thoughts, just existing. This is not why I was given life. Morbid things are always taking the for front of my life. Tired, like there's never enough. Wanting to do right by him, not knowing if I'm cut out for this new position that I've been given. Thankful that I was chosen, but so much has changed.
This post like most, is a rumble of my thoughts, which aren't clear at all.
Pay something off, that's the least I can do. Did I mention that there are always car issues. Issues with Marybelle's seats. Liam is sitting in my moms backyard. I don't want to go anywhere or do anything. Afraid of getting sick again. What do I do, where do I go? How do I handle my thought? Always overdrawing in my account.
Transfer $100 to my Navy Federal account, and put $50 in my TIC account. I have many in MEA, that I have been getting when I need cash. Also, I need to open up him an account. I don't want him to struggle like I have. Want so much more for him.
Write a will, open him an account, get this business going. Get my life right, I want him to have better, but how can that happen if I don't want better for myself. Being in the dumps is something that I can't seem to shake, but it'll pass it always does.
Thanks for reading! Happy Holidays!
Now isn't the time to be down. It's the holiday season, is my mind reliving my past. This time last year was something serious, but it's over now. To me life will repeat itself, if changes aren't made, but it repeats itself sometimes anyway.
Financial issues:
Student loans
Mortgage (month behind)
Car Note (month behind)
Medical bills (2,000)
Mom (2,000)
On top of that, it's time to move into a better situation. Wanting better for myself and him. He deserves to have a nice backyard that he can play in. A decent neighborhood that's safe and secure. His mother needs to sit down and organize her life. Something that I'm truly having a hard time doing. It seems like I just can't get right, no matter what. It's me, no time. Thoughts are cloudy, feel like I can't do anything. Always rushing, no thoughts, just existing. This is not why I was given life. Morbid things are always taking the for front of my life. Tired, like there's never enough. Wanting to do right by him, not knowing if I'm cut out for this new position that I've been given. Thankful that I was chosen, but so much has changed.
This post like most, is a rumble of my thoughts, which aren't clear at all.
Pay something off, that's the least I can do. Did I mention that there are always car issues. Issues with Marybelle's seats. Liam is sitting in my moms backyard. I don't want to go anywhere or do anything. Afraid of getting sick again. What do I do, where do I go? How do I handle my thought? Always overdrawing in my account.
Transfer $100 to my Navy Federal account, and put $50 in my TIC account. I have many in MEA, that I have been getting when I need cash. Also, I need to open up him an account. I don't want him to struggle like I have. Want so much more for him.
Write a will, open him an account, get this business going. Get my life right, I want him to have better, but how can that happen if I don't want better for myself. Being in the dumps is something that I can't seem to shake, but it'll pass it always does.
Thanks for reading! Happy Holidays!
Sunday, October 26, 2014
Subtle Changes on the Horizon
As I've said before, life keeps moving with or without you. I would prefer for it to be with me. Trouble tends to rear its ugly head at anytime in ones life. This seems to be what goes on with me often. A new baby, new life, new responsibilities, just new everything. And still I am here. Trouble doesn't last always, but what to do in the meantime? Continue to live life as it should and try to do the right thing. What is the right thing? Paying bills, helping others, not going under, staying focused, all of those things. And still I survive. Looking at life through the eyes of a mother is so different. Thinking of someone other than myself is really different and new for me. This is a very emotional journey. Listening to speakers, preachers and others, there have been some awesome words that I have heard about life and our place here on Earth. Wow, this is my child, he is mine. One day he'll be big and I'll be old and he'll have a family of his on. These moments are so precious. For that reason, I am trying my best to be a better person, do things different than I have ever in my life. It's hard, I will admit. I have been here writing for many years and things get better, than worse, better, but more worse. That's not correct English.
So much debt, I keep going under. So many decisions to be made, yet God keeps blessing me and keeping me afloat. I wonder what's the point and purpose of it all. In the end, we are all going to die. I really don't mean for this post to be morbid, these are just random thoughts, I don't mean any harm.
My thoughts have been chaotic, lack focus and guidance. Several bills, but survival is the only options. There are so many bills, I don't know where to begin to get it together. Car issues, it just never stops. Get a car fixed and the other one messes up. It just doesn't stop.
Bills
Student loans
Walden University 5000
Trinity Center 2000
St. Francis
Columbus Clinic
Mortgage 1300
Marybelle 900
mom 2500
First Premier 90
JC Penny's 200
Plus, I feel that I am in default with one of my student loans. Staying above water is a challenge. Always robbing Peter to pay Paul, it seems to never end. Tomorrow, I need to call my student loans and see what can be done so my taxes aren't garnished. When I get paid, pay the back mortgage and car note, pay mom, how much I don't know. I need to put something in Navy Federal, wow what a year brings. Credit score is awful and that's alright.
Things to do tomorrow
Call student loan to see what the damage is
Call St. Francis billing
Set up payments for Marybelle and mortgage
I will be just fine, I know it, trust
So much debt, I keep going under. So many decisions to be made, yet God keeps blessing me and keeping me afloat. I wonder what's the point and purpose of it all. In the end, we are all going to die. I really don't mean for this post to be morbid, these are just random thoughts, I don't mean any harm.
My thoughts have been chaotic, lack focus and guidance. Several bills, but survival is the only options. There are so many bills, I don't know where to begin to get it together. Car issues, it just never stops. Get a car fixed and the other one messes up. It just doesn't stop.
Bills
Student loans
Walden University 5000
Trinity Center 2000
St. Francis
Columbus Clinic
Mortgage 1300
Marybelle 900
mom 2500
First Premier 90
JC Penny's 200
Plus, I feel that I am in default with one of my student loans. Staying above water is a challenge. Always robbing Peter to pay Paul, it seems to never end. Tomorrow, I need to call my student loans and see what can be done so my taxes aren't garnished. When I get paid, pay the back mortgage and car note, pay mom, how much I don't know. I need to put something in Navy Federal, wow what a year brings. Credit score is awful and that's alright.
Things to do tomorrow
Call student loan to see what the damage is
Call St. Francis billing
Set up payments for Marybelle and mortgage
I will be just fine, I know it, trust
Thursday, August 21, 2014
It's My Life
Looking back over my life, I have had a wonderful one. Full of ups and downs, but I guess that is what life is composed of. I remember making plans and some coming to reality and others falling by the way side. Through it all things have been great. Sicknesses, losses, life, death, overcoming and moving forward. Not holding on to things makes it hard, but much easier to cope.
Making plans to retire by 20 and have a PhD, have they been my reality. No, they haven't. Is it due to fault of my own, why, yes. I'll admit, things haven't turned out how I've wanted them to or expected, but I'm here to tell the story.
I've come to terms with not being able to afford my PhD. Exhausting my financial aid, I'm not able to afford school anymore. Plus, there are other things that are more important than obtaining that degree. Even though, I've always wanted to have D. R. period in the front of my name, since I was in junior high school. I've wondered since I started the program what I would do with it once I finished. To be honest, I think I was afraid to complete it. Being in the program since 2005. This seemed to be something I just couldn't finish, for whatever reason. Afraid, I'll say this has been the one thing that I haven't been able to complete and get off my back. At one point, I felt like a failure, but now, I have just let go.
Having a baby and being a cancer survivor has made me look at life in a totally different perspective. Life is intricate. One minute your here, the next you're gone. What is it all worth? The things we deem important sometimes aren't. So, I'm looking at doing things a little different. I understand that many things are out of our control, but overall, you have to put God first in everything you do.
Things I'm going to do different
18 months left on Marybelle, put 100-200 extra on my 450 payment (this will allow car to be paid off in 12-14 months)
Oneal Street on HAP, 1 year lease
Get baby an account, put 100 in his account monthly for the next 18 years. Find an account that will earn a decent interest rate
Pay off Walden
Get student loans under control
Prepare to move from Fisk (4 bedroom/2 bath fireplace and 2 car garage) it's time to get out of the hood
Put any extra money in my account (save 50-200 a month)
Start preparing for winter for baby (get ahead of things, before I know it he'll be 1 years old)
Stop wasting money and do better overall
There have been many things that have occurred in my life and I look at things so different. It's time to make a change and do it for the better. What is it all worth? I don't want to have any regrets. I have done many things that I may not be proud of, but through it all I have overcome. Having this baby makes things seem so clear. Maybe I'm a little more emotional than I've been before, but I know I have to do better for him to have a good life.
It seems that I can't get ahead and that there is a financial curse on me. I don't know, but somewhere things have got to be different. All I can do is live me life and do the best I can.
Making plans to retire by 20 and have a PhD, have they been my reality. No, they haven't. Is it due to fault of my own, why, yes. I'll admit, things haven't turned out how I've wanted them to or expected, but I'm here to tell the story.
I've come to terms with not being able to afford my PhD. Exhausting my financial aid, I'm not able to afford school anymore. Plus, there are other things that are more important than obtaining that degree. Even though, I've always wanted to have D. R. period in the front of my name, since I was in junior high school. I've wondered since I started the program what I would do with it once I finished. To be honest, I think I was afraid to complete it. Being in the program since 2005. This seemed to be something I just couldn't finish, for whatever reason. Afraid, I'll say this has been the one thing that I haven't been able to complete and get off my back. At one point, I felt like a failure, but now, I have just let go.
Having a baby and being a cancer survivor has made me look at life in a totally different perspective. Life is intricate. One minute your here, the next you're gone. What is it all worth? The things we deem important sometimes aren't. So, I'm looking at doing things a little different. I understand that many things are out of our control, but overall, you have to put God first in everything you do.
Things I'm going to do different
18 months left on Marybelle, put 100-200 extra on my 450 payment (this will allow car to be paid off in 12-14 months)
Oneal Street on HAP, 1 year lease
Get baby an account, put 100 in his account monthly for the next 18 years. Find an account that will earn a decent interest rate
Pay off Walden
Get student loans under control
Prepare to move from Fisk (4 bedroom/2 bath fireplace and 2 car garage) it's time to get out of the hood
Put any extra money in my account (save 50-200 a month)
Start preparing for winter for baby (get ahead of things, before I know it he'll be 1 years old)
Stop wasting money and do better overall
There have been many things that have occurred in my life and I look at things so different. It's time to make a change and do it for the better. What is it all worth? I don't want to have any regrets. I have done many things that I may not be proud of, but through it all I have overcome. Having this baby makes things seem so clear. Maybe I'm a little more emotional than I've been before, but I know I have to do better for him to have a good life.
It seems that I can't get ahead and that there is a financial curse on me. I don't know, but somewhere things have got to be different. All I can do is live me life and do the best I can.
Friday, August 15, 2014
This is No Easy Thing
There have been many things that have happened in my life since I've had this blog, but that's neither here nor there. The ultimate goal is financial success which I haven't yet achieved. Life is a work in progress and it only gets better.
Over the years of course I've gotten older. I had a major break up, several break ins, several moves, move from schools, thyroid cancer, cancer free, and a baby. Life goes on and through it all I still haven't completed my PhD. One thing I've realized is what is it all worth? When it's all said and done, what is the point? I try and try to achieve financial freedom, but things just keep happening. Like nothing is ever right.
Looking over the issues, which are several.
Walden University: can't keep paying for school on my own, can't afford it. Yes, I'm close, but there are other issues that need to be dealt with financially.
Laingley: he need things, plus I have to pay my mother back for his birth. Did I mention save for his future? That's a must.
medical bills: really don't know how much that is, but it's much. Plus, I have old bills that need to be handled
Liam: needs a muffler really bad, don't need to drive Marybelle with Laingley
1027: things in here need to be updated: get rid of carpet in hallway, new counter tops, cut down tree limbs around the house
Having a new baby is something that's different and new. Something that I've never experienced in my entire life. Every night I melt a little, this love is so real, I can't explain how I feel. I understand a mother's love now. Life is so intricate and precious. This is so real, I love this little boy with everything that I have and no one can take that away from me. No one could have told me that this would be my reality. Who would've thought? Not me! I'm learning everyday, this is an on the job training for me. Overall, my financial obligations have changed and what I wasn't doing I need to start so this little boy can have something.
For him
Open an account and put in 100-200 a month for the next 18 years
Get more properties so when he gets older he'll have something when and if he wants
Turn in paperwork for bonds
My life
Take my time to get things organized. I want to move the year of my turning 40, which is next year. So, 2015-16, things should be much different and I'll be in a good place to move from this place. It's time to be grown up. I'm 38 years old and still not where I want to be. It's time to grow up. I've made a decision and it's time to let school go. Along the way, I've forgotten how to be me and the things that I want to do. I used to enjoy life, but something happened. No, it's not the baby. This happened way before then. Something sucked the life out of me. It wasn't the cancer either. I don't know what is was. Life for me has changed. Also, as for my finances, it seems that I get close and something happens. Like there is something holding me back from financial freedom. Maybe it's just my thoughts or me period. It's a fight that I'm going to continue to have until I work through it. It's has to get better and be a better way.
Over the years of course I've gotten older. I had a major break up, several break ins, several moves, move from schools, thyroid cancer, cancer free, and a baby. Life goes on and through it all I still haven't completed my PhD. One thing I've realized is what is it all worth? When it's all said and done, what is the point? I try and try to achieve financial freedom, but things just keep happening. Like nothing is ever right.
Looking over the issues, which are several.
Walden University: can't keep paying for school on my own, can't afford it. Yes, I'm close, but there are other issues that need to be dealt with financially.
Laingley: he need things, plus I have to pay my mother back for his birth. Did I mention save for his future? That's a must.
medical bills: really don't know how much that is, but it's much. Plus, I have old bills that need to be handled
Liam: needs a muffler really bad, don't need to drive Marybelle with Laingley
1027: things in here need to be updated: get rid of carpet in hallway, new counter tops, cut down tree limbs around the house
Having a new baby is something that's different and new. Something that I've never experienced in my entire life. Every night I melt a little, this love is so real, I can't explain how I feel. I understand a mother's love now. Life is so intricate and precious. This is so real, I love this little boy with everything that I have and no one can take that away from me. No one could have told me that this would be my reality. Who would've thought? Not me! I'm learning everyday, this is an on the job training for me. Overall, my financial obligations have changed and what I wasn't doing I need to start so this little boy can have something.
For him
Open an account and put in 100-200 a month for the next 18 years
Get more properties so when he gets older he'll have something when and if he wants
Turn in paperwork for bonds
My life
Take my time to get things organized. I want to move the year of my turning 40, which is next year. So, 2015-16, things should be much different and I'll be in a good place to move from this place. It's time to be grown up. I'm 38 years old and still not where I want to be. It's time to grow up. I've made a decision and it's time to let school go. Along the way, I've forgotten how to be me and the things that I want to do. I used to enjoy life, but something happened. No, it's not the baby. This happened way before then. Something sucked the life out of me. It wasn't the cancer either. I don't know what is was. Life for me has changed. Also, as for my finances, it seems that I get close and something happens. Like there is something holding me back from financial freedom. Maybe it's just my thoughts or me period. It's a fight that I'm going to continue to have until I work through it. It's has to get better and be a better way.
Tuesday, August 12, 2014
There are Blessings
Life goes on no matter what. Bills, expenses, deaths, life, growth, hurt, pains, no matter what life goes on. I've been looking at this thing called life and tragic as it seems, there are blessings in every aspect of it. In my life there seems to always be an issue, the summer seems to be the biggest problem that I have. Money always coming out, robbing Peter to pay Paul is the story of my life. Through it all there are blessings. Phone call after phone call, debt collectors constantly calling the house phone and cell makes me feel less of a person. Yes, this does bother me, but at least I have income coming in. I don't excessively spend, but no matter what there is always an issue.
Problems:
September bills
mortgage 1300 since I didn't pay for August
Walden 5000
I'm just tired of trying. Come to find out I only have 12.78 years of teaching. 30 in order to retire. Can't pay for this Phd program on my own. Really feel like giving up and that I think I'm going to do. Don't know whether I'm coming or going. Whatever I try to do lately ends of failing. Through it all there are blessings. I have my health, a handsome baby boy that was unexpected, I'm cancer free, a mother that loves me, a roof over my head, 2 vehicles, I could go on and on.
Even though my finances aren't what I would like them to be there are several blessings that I receive. I'm going to say thank you for them and I'm ready to receive the ones for my future.
Problems:
September bills
mortgage 1300 since I didn't pay for August
Walden 5000
I'm just tired of trying. Come to find out I only have 12.78 years of teaching. 30 in order to retire. Can't pay for this Phd program on my own. Really feel like giving up and that I think I'm going to do. Don't know whether I'm coming or going. Whatever I try to do lately ends of failing. Through it all there are blessings. I have my health, a handsome baby boy that was unexpected, I'm cancer free, a mother that loves me, a roof over my head, 2 vehicles, I could go on and on.
Even though my finances aren't what I would like them to be there are several blessings that I receive. I'm going to say thank you for them and I'm ready to receive the ones for my future.
Sunday, August 3, 2014
Getting Older
When it rains it pours. The summer seems to be a trying time for me yearly when it comes to finances. I get ahead and fall back.
Things that have happened:
Liam 1200
delivery 1700
Walden 5000
overdrawn in my account
It just doesn't seem to stop. Put the house on Oneal on HAP and it took the money that I got from my baby shower. Did I mention that someone has my card number and tried to access it. They ran .12 in St. Louis to see if I had money on my card. Luckily, I was overdrawn so it didn't charge. The perks of being overdrawn.
Now, I have to pay other things that didn't clear for the past couple of months. For instance, my power bill it's 260, this is two months worth of payments. Then, I got a bill from my car note stating I owe 460 and that's more than I normally pay for my car note. What the what? Something has to give. Get two steps ahead and fall back so much more.
Overall, I'm healthy. Did I mention medical bills. I got my credit report for 1 and my score is awful. Can't seem to get ahead. Plus, these student loans are killing me and that's for real.
All I can do is take every day one at a time and do what needs to be done to get things in order. Did I mention, I want to move the year of me turning 40. That's within the 15-16 year. Right now, I need to get everything in order so that I can make that move.
Things that need to be done:
Make a payment plan with Walden
Make a payment plan with mom
Pay off 2 things on credit report
Get Sallie Mae off my back
Life continues to move forward and it depends on how you receive it. I'll probably be overdrawn this month too in my account. Robbing Peter to pay Paul, can't seem to get it together. Always money issues. Need to keep gas in the cars, food on the table, and be able to survive for the rest of the month. Plus, I'm on maternity leave and it's going to take money out of check because I don't have the amount of days. See, it just doesn't stop. Where there's a will there's a way.
Marybelle only has 15 months left before she's paid off that's a good thing. Once that's done, that money can go toward something else. The life of an adult. You gotta love it!
Things that have happened:
Liam 1200
delivery 1700
Walden 5000
overdrawn in my account
It just doesn't seem to stop. Put the house on Oneal on HAP and it took the money that I got from my baby shower. Did I mention that someone has my card number and tried to access it. They ran .12 in St. Louis to see if I had money on my card. Luckily, I was overdrawn so it didn't charge. The perks of being overdrawn.
Now, I have to pay other things that didn't clear for the past couple of months. For instance, my power bill it's 260, this is two months worth of payments. Then, I got a bill from my car note stating I owe 460 and that's more than I normally pay for my car note. What the what? Something has to give. Get two steps ahead and fall back so much more.
Overall, I'm healthy. Did I mention medical bills. I got my credit report for 1 and my score is awful. Can't seem to get ahead. Plus, these student loans are killing me and that's for real.
All I can do is take every day one at a time and do what needs to be done to get things in order. Did I mention, I want to move the year of me turning 40. That's within the 15-16 year. Right now, I need to get everything in order so that I can make that move.
Things that need to be done:
Make a payment plan with Walden
Make a payment plan with mom
Pay off 2 things on credit report
Get Sallie Mae off my back
Life continues to move forward and it depends on how you receive it. I'll probably be overdrawn this month too in my account. Robbing Peter to pay Paul, can't seem to get it together. Always money issues. Need to keep gas in the cars, food on the table, and be able to survive for the rest of the month. Plus, I'm on maternity leave and it's going to take money out of check because I don't have the amount of days. See, it just doesn't stop. Where there's a will there's a way.
Marybelle only has 15 months left before she's paid off that's a good thing. Once that's done, that money can go toward something else. The life of an adult. You gotta love it!
Wednesday, July 16, 2014
Almost a Year Later
There have been many things that have happened in my life. To go back a few years ago, I found out I had thyroid cancer, cured, and this year, actually a few days ago I had a little boy. So happy about that. How does this deal with finances you may ask. Well, I had to pay for the delivery, not the entire amount, but my co-pay which was close to 2,000 up front. While in the hospital bed, this matter had to be satisfied.
The summer months
In my opinion, the summer months tend to be the hardest for me, why? I don't know. A lot of mismanagement of money. I got Liam fixed that was 1,200, the check bounced. Didn't do it on purpose. The house on Oneal Street, put it on HAP, that was a great decision, but the deposit soon went. Had to go into money I had saved to pay for the total cost of repairs.
Right now, I am overdrawn in my account close to 500, so that money will be gone when I get paid. It's one thing after another it always seems. On top of bills, I have to get my tags. Last year, my mom get my tags for me. This has to be done. Another thing, I have to give my mom the money back for the delivery of the baby. Not to mention, I am still in school, yes, I am! Two terms behind to total 5000. It seems I can't win for losing. Don't know what I do wrong. It's not like I just spend unnecessarily.
On another note, Liam still needs more work. Don't think I want to drive Marybelle because that deals with switching gears. I will not be able to drive for another 5 weeks. My credit score will not go above 600 for some reason.
Blessings
I had the most awesome baby shower and didn't have to buy anything except a crib and 2 dressers. I got everything and that is a huge blessings. Also, one of my dear friends has a little boy. She gave me a car seat. The other day she came with several bags of clothes. That is money saved. Will not have to buy him anything for a while. Maybe not until it gets cold. So excited and thankful for all of the blessings. I also got several gift cards. Since I have exhausted all of my funds, did I mention I had to use the money from the baby shower to help with the house on Oneal. Another thing, I was able to get a Navy Federal account, the money I had there is gone too. Having the gift cards has really come in handy. For that I'm thankful.
It's not that Bad
When it seems things are bad, I have to take a step back and count my blessings. Life moves forward and in the bed, there's always something good.
Future Plans
Make sure I'm the best mom I can be for this baby. Looking into getting another job, something online. Also, I stay in the hood and my neighbors are super nosy, that has nothing to do with it, but I am moving my year of 40. That will be next year, so within the year of 2015-16, I will move from my home. I know what HAP is looking for and that is the route I plan on taking. Previously, I wanted to have my own home built by 40, but now I want to move into a 4 bedroom, 2+ bathroom, 2 car garage, and a fireplace. This house needs to be in a better neighborhood. In order to do that save money for that and for the baby. Also, work on my credit score.
It's almost a year since I have written here and I remember that I loved doing this. Work with me, for I'm a work in progress. Life continues to move and I am not doing the same things, but life continues to move forward regardless. Not going to make any promises, but I will continue to use this to see the changes that have been made. Another thing Marybelle is 17 months before she'll be paid off. On that note, that will save 400 a month. I tried to refinance my home and was unable to due to being late at the end of last year. That sucks. I can try again in September. One thing after another. My car note and house come close to 1000 a month, that really needs to change and quick. Once Marybelle is paid off that money can go to something else.
Work with me I'm still learning. Mind you, there's a baby in the mix now. Save money for his future, plus, money in case of emergencies. My tax refund goes to previous debt, but that money is gone now. What I never do is pay house note or car not. Thinking next year, I'll pay 2 to 3 months of car note and continue to pay on it monthly. That'll help me pay Marybelle off sooner. Medical bills seem to be an issue too. Tired of getting bills, it just seems that there's never enough money and time to get things done.
I'll be just fine. I'm learning and that's all I can do. Thank you for reading, will try not to be done so long!
The summer months
In my opinion, the summer months tend to be the hardest for me, why? I don't know. A lot of mismanagement of money. I got Liam fixed that was 1,200, the check bounced. Didn't do it on purpose. The house on Oneal Street, put it on HAP, that was a great decision, but the deposit soon went. Had to go into money I had saved to pay for the total cost of repairs.
Right now, I am overdrawn in my account close to 500, so that money will be gone when I get paid. It's one thing after another it always seems. On top of bills, I have to get my tags. Last year, my mom get my tags for me. This has to be done. Another thing, I have to give my mom the money back for the delivery of the baby. Not to mention, I am still in school, yes, I am! Two terms behind to total 5000. It seems I can't win for losing. Don't know what I do wrong. It's not like I just spend unnecessarily.
On another note, Liam still needs more work. Don't think I want to drive Marybelle because that deals with switching gears. I will not be able to drive for another 5 weeks. My credit score will not go above 600 for some reason.
Blessings
I had the most awesome baby shower and didn't have to buy anything except a crib and 2 dressers. I got everything and that is a huge blessings. Also, one of my dear friends has a little boy. She gave me a car seat. The other day she came with several bags of clothes. That is money saved. Will not have to buy him anything for a while. Maybe not until it gets cold. So excited and thankful for all of the blessings. I also got several gift cards. Since I have exhausted all of my funds, did I mention I had to use the money from the baby shower to help with the house on Oneal. Another thing, I was able to get a Navy Federal account, the money I had there is gone too. Having the gift cards has really come in handy. For that I'm thankful.
It's not that Bad
When it seems things are bad, I have to take a step back and count my blessings. Life moves forward and in the bed, there's always something good.
Future Plans
Make sure I'm the best mom I can be for this baby. Looking into getting another job, something online. Also, I stay in the hood and my neighbors are super nosy, that has nothing to do with it, but I am moving my year of 40. That will be next year, so within the year of 2015-16, I will move from my home. I know what HAP is looking for and that is the route I plan on taking. Previously, I wanted to have my own home built by 40, but now I want to move into a 4 bedroom, 2+ bathroom, 2 car garage, and a fireplace. This house needs to be in a better neighborhood. In order to do that save money for that and for the baby. Also, work on my credit score.
It's almost a year since I have written here and I remember that I loved doing this. Work with me, for I'm a work in progress. Life continues to move and I am not doing the same things, but life continues to move forward regardless. Not going to make any promises, but I will continue to use this to see the changes that have been made. Another thing Marybelle is 17 months before she'll be paid off. On that note, that will save 400 a month. I tried to refinance my home and was unable to due to being late at the end of last year. That sucks. I can try again in September. One thing after another. My car note and house come close to 1000 a month, that really needs to change and quick. Once Marybelle is paid off that money can go to something else.
Work with me I'm still learning. Mind you, there's a baby in the mix now. Save money for his future, plus, money in case of emergencies. My tax refund goes to previous debt, but that money is gone now. What I never do is pay house note or car not. Thinking next year, I'll pay 2 to 3 months of car note and continue to pay on it monthly. That'll help me pay Marybelle off sooner. Medical bills seem to be an issue too. Tired of getting bills, it just seems that there's never enough money and time to get things done.
I'll be just fine. I'm learning and that's all I can do. Thank you for reading, will try not to be done so long!
Monday, September 16, 2013
Bumps in the Road
As long as you live, there will be bumps in the road. Many times it is done because you aren't living right. Other times, to make you aware of the changes that need to be made. In my world, patience has been working on me for some time now. I said it a while ago, that there is a young lady that is trying to get out. She is her, but things are not as they should be. Not for real. As I stated before, I get close and something tends to happen. I guess that is the thing we call life. So there has to be major adjustments made. Something has happened that has made me rethink things. First, I need to find another place to stay. That is one of the steps and second, it needs to be cheaper than what I pay now.
As you probably remember, my credit has taken a downside and have been working toward making it better. In my mind there is no clarity. There is chaos in most of my thoughts. Nothing is clear and it seems I can't seem to focus on anything.
To be honest, the devil has made me feel some kind of way. That is because I am probably on the verge of a major break thorough. One thing is for sure, I am thankful because out of bad does come good. This has taught me that I need to be more secure and even though I am from that area, it is time for me to move on.
Today, I will look at other options on how I can get things better and move toward being this better person. Yes, it did make me sad, but things could have gone in a different direction. I am better and things will be better.
My situation is not that bad, but it is mine! No one can take that away from me.
Issues:
behind one month on mortgage due to paying for Walden
Sallie Mae behind
Walden owe can't get back in school until I pay for previous term
Liam hose fixed and flat tire
Tired of always being on the losing end. When will I finally get it together?
Thursday, August 15, 2013
I'm Only Human
It seems that things always look good and life happens. I can't seem to win for losing. I'm overdrawn again in my account. There's money in other accounts, but I can't touch that cash. There are several financial issues that I am having right now. Overall, I have a roof over my head and I have my health. Regardless, my finances are not like I they should be.Every time I get ahead, I seem to mess something up. I have cut back, no cable, no eating out, no this, no that. I can't seem to get it right!
I'm almost at the end of my educational journey and here it goes again. Exhausted all of my financial aid. Took out a personal student loan. Didn't realize that the rules didn't apply to loans being deferred if still in school. Due to this, I am behind and my mother co-signed for me and this has lowered my credit score and hers too. Constant phone calls, emails, it's bothersome! I paid for school and didn't pay mortgage. Now, I'm behind on everything.
When I get paid, I'm already overdrawn in that account. So very sad! The more I try, it seems the further I fall behind. The story of my life it seems!
September's Check
mortgage, car note, t-mobile, Walden University, travel for 2 nights, tags, tickets
Take every day one at a time and do what I can with what I have. Whenever I try to save, something always seems to happen.
Another thing, I have no motivation to get the things done that I need to. So very sad, the more I try, the more things tend to happen. Complaining, no I'm not, venting is the correct term to use.
All I want is to have money for the things that I want to do. I want to be able to have money for my bills and anything extra that I want or need. Really all of my needs are met and I am happy, don't get me wrong! Tired of falling short and not having the things that I need, that would be called a struggle. I feel I'm too old to be having these issues. No, I don't have children and it may be a blessing that I don't because I can't seem to get it together.
Future Plans
Save enough money to buy another house
Get my house together
Sell candles
Be motivated to get things done
Remove carpet replace with tile or wood, cheaper would be the tile
Stop Complaining
Life is good, I have my health
Continue to pay off debt
Get caught up with bills
work on getting the house straight
put up a few dollars monthly and don't pull from it
Learn as I go and work things out. It will get better! Continue to do what I can with what I have!
Take every day one at a time and do what I can with what I have. Whenever I try to save, something always seems to happen.
Another thing, I have no motivation to get the things done that I need to. So very sad, the more I try, the more things tend to happen. Complaining, no I'm not, venting is the correct term to use.
All I want is to have money for the things that I want to do. I want to be able to have money for my bills and anything extra that I want or need. Really all of my needs are met and I am happy, don't get me wrong! Tired of falling short and not having the things that I need, that would be called a struggle. I feel I'm too old to be having these issues. No, I don't have children and it may be a blessing that I don't because I can't seem to get it together.
Future Plans
Save enough money to buy another house
Get my house together
Sell candles
Be motivated to get things done
Remove carpet replace with tile or wood, cheaper would be the tile
Stop Complaining
Life is good, I have my health
Continue to pay off debt
Get caught up with bills
work on getting the house straight
put up a few dollars monthly and don't pull from it
Learn as I go and work things out. It will get better! Continue to do what I can with what I have!
Saturday, June 29, 2013
It Gets Worse Before It Gets Better
Yes, I have been spending money. No, it's been on need things. Not all of it, but there are things I have gotten done. For instance, I got the beams in the front on the house replaced. That was really needed. I haven't been cooking haven't felt like it. There's something going on, and I don't know what it is. I am not comfortable in my house and looking forward to being just that comfortable.
My credit score has dropped lower than it what. I do believe that it will be a quick fix. Last year, I took out a personal loan to pay for school being that I have exhausted all chances of financial aid. I am currently still in school and this should (I hope be deferred). Once that is handled the score will go back up.
There are several debts that have been paid off. Now that there is no financial aid for me, I have to pay for school on my own. It's really not that bad, but $2,000 every 4 months is alright. At the same time pay off debt as well as eliminate it. We will see how this cookie is going to crumble.
Walden $2,500 per term June-September
mortgage $650
Roku (Netflix and Hulu Plus) $ 21.00
TMobile $150
Charter $65
Water
Power
Gas
$650 on credit report
medical $1064
It seems that the more you cut back, the more comes your way. I have no more cable, disconnected several things that I didn't need. I've been selling things are Craigslist and using that money to pay off a debt. I even bought a piggy bank and that change goes toward debt. I have said it before and will continue to as long as I am not financially stable. As long as I owe, the money I make isn't mine. Of course, I must sustain myself, but the excessive spending has to stop somewhere. In the meantime, continue to grow in comfort in my home.
Did I mention:
Hose on Liam, heavy noise
Marybelle new tires
It's always something. That's what one would call living! There are still several things that could be sold and I will continue to do that. I did sell a box spring and mattress today. So things are working themselves out.
I also thought that I have been teaching for 14 years coming up and it's time that I decide what the next few years are going to bring.
My credit score has dropped lower than it what. I do believe that it will be a quick fix. Last year, I took out a personal loan to pay for school being that I have exhausted all chances of financial aid. I am currently still in school and this should (I hope be deferred). Once that is handled the score will go back up.
There are several debts that have been paid off. Now that there is no financial aid for me, I have to pay for school on my own. It's really not that bad, but $2,000 every 4 months is alright. At the same time pay off debt as well as eliminate it. We will see how this cookie is going to crumble.
Walden $2,500 per term June-September
mortgage $650
Roku (Netflix and Hulu Plus) $ 21.00
TMobile $150
Charter $65
Water
Power
Gas
$650 on credit report
medical $1064
It seems that the more you cut back, the more comes your way. I have no more cable, disconnected several things that I didn't need. I've been selling things are Craigslist and using that money to pay off a debt. I even bought a piggy bank and that change goes toward debt. I have said it before and will continue to as long as I am not financially stable. As long as I owe, the money I make isn't mine. Of course, I must sustain myself, but the excessive spending has to stop somewhere. In the meantime, continue to grow in comfort in my home.
Did I mention:
Hose on Liam, heavy noise
Marybelle new tires
It's always something. That's what one would call living! There are still several things that could be sold and I will continue to do that. I did sell a box spring and mattress today. So things are working themselves out.
I also thought that I have been teaching for 14 years coming up and it's time that I decide what the next few years are going to bring.
Friday, May 3, 2013
I can only Go Up
My credit scores range from 506-561. I am working on paying off all the things that I can. For instance, there are 4 outstanding accounts that need to be paid. I have a thought, I have money that I don't want to spend, but let build, borrow off of that money and pay it off. Continue to save and put the money where it is most needed.
There has been some excessive spending here and there, but if I continue to cook, that will help me save some cash. I purchased a ledger, this should help me keep up with all of my finances. I can make this work.
Order for taking care of these bills, I sent in $200 today, the final payment will be mailed by the end of this month. The total cost is $464.
Directv $464
ADT $1064
Medical $900
Medical $574
Pay $200 everything month until they are all paid off. I did pay for my braces, no more payments on that. I paid for 2 months of storage. Not paying that bill after the end of this month. I have to do right by my finances. Plus, the property management is working out. The place has been rented out. All extra monies, put in a good place. I did sign up to do a outside yard sell. This will give me a chance to sell the candles, but the weather really looks bad.
I must not do wrong by the money, I keep saying that. I don't want to end up with nothing to show for what I had. I know I waste much, but I can't continue to do that. Overall, I feel good about where I am going and what is going on.
Things I've gotten rid of
Directv 140 a month
Caller Tunes
Braces paid in full 100 a month
Ancestry.com
Things I need to get rid of
Wireless card
Anyway that I can cut corners I will try, the only reason I haven't gotten rid of the home line is that it's connected to my security system.
Plus, I am going to take some time off from school and Sallie Mae has been calling and calling. Majority of my debt is student loans. When looking at my credit report, I really don't have bad debt. I do have a credit card with a $300 limit. Paying off the above debts would help my score much. My goal is to have at least a 650 credit score by the end of the year. I do believe that can be done if I keep putting money where it should be. As long as I owe, the money I make is not mine. In my mind, when I get ready to spend put that money toward a debt.
Paying off debt is very important to me and it may get obsessive. Have to have something to worry over.
Bills that I pay
mortgage
water
power
gas
Netflix
Hulu2
TMobile
The money that is left over should go to debt. Did I mention I am going on a trip this summer. I have to get this paid for soon.
I haven't been the best financial planner, I know, but I can and will handle this issue.
Sunday, April 7, 2013
Here It Is
Things have been working out pretty well. First, 1010 is rented out. Good job! There are little issues with the property, but they are getting fixed. For instance, there's a hole under the sink, the heater grate needs to be replaced, and the gas meter has been pulled due to a leak. Now, I have to find a certified plumber to fix it.
3210 is empty, thank you for that. There are a few things that need to be fixed and I'm going to get them fixed this week. I have to go to court to get the rest of the money they owe from 3210. That's a part of the job that I don't like.
The issues have been eating out, that is where majority of the spending is done. I'm trying to work on that. I had a large amount of money to come in from working the morning lab and Saturday School. Having a second job within the first one is good. Making sure I do right by the money is the whole thing.
There are doctors bills that I have and need to be paid so they don't end up on my credit report. Checked my credit score and they are awful, the only choice I have is to go up. Continue to pay off outstanding medical bills that are sitting and build credit. I have automatic draft for all bills except the water. Continue to save and put the money in the right place. Looking to get a secured loan on 1,000. What could I do with that money? Pay off a large bill, I did get settlements for a couple of them. Pay them off and not get anymore debt.
The whole purpose of this blog is for me to get out of debt and it seems I do while for a moment and something happens. I can't continue to sabatoge myself, that seems to be what I'm good at. Falling for the set up. The money that I'm spending on food could pay off a few bills. That money put it toward the debt. Instead of eating out, pay a bill.
Questioning do I want to continue to live here? A note was in my door, it was crazy. Trying to live her until 40, let's see how that goes. Can't continue to slight myself, I tend to be good at that. I don't know what my future plans are and that's the problem I'm having getting out of school. What do I do? Financial Aid is exhausted. Had to take out a personal loan for nothing because I haven't made any adequate gains. Feel like giving up, but I've come to far. What do I do with this degree? I don't know. What do I want to be when I grow up? I don't know. I've been teaching for 13 years, will I be a 50 year old business education teacher?
Where do I go from here? I love making candles and doing this real estate thing, they both bring me joy. Have a d r period, in the front of my name has always been a dream of mine. Will it be a dream deffered? At this point, my mind is tired of thinking about school. Once the decision is made there's no turning back.
Decisions that need to be made
What are my future plans? 3 years, 5 years, 10 years from now
Do I want to continue to stay here? For how long
What kind of career do I want?
How will I acquire more properties?
What do I see myself doing?
How can I bring more happiness into my life?
Put the main thing first.
Buckle down and do what's right
Let the new me come out
This year has been filled with experiences and things I will never forget. I have something that I am sitting on and I'm excited about it. First, I don't want to let it go. Do right by the money I have. All bills are paid and life is getting better. I'm learning about myself and realizing that everything is going to be alright. Make sure I do what's right and just and most of all put the money in the right place and don't blow it.
There's so much to say and I don't know where to start. My personality is different and overall, I try to stay out of everybodies way if I can. I have a spirit of expression. I don't try it just comes out, but I want people to see me. I said it, see me, here me, notice me, something. I've been told my spirit is free. I do want I want because that's what I want to do, not because this is what people are doing. I'm my own self. Right now, at a crossroads and don't know which way to go. I feel like I'm maturing in so many respects, well have matured. Things that many get upset about doesn't bother me. Why because life goes on. I learn, listen and move on.
Not knowing what's going on or having a plan has caused me to be in school for this long. No ultimate goal, well, that is to graduate, but no plan after graduation. Is being a middle school business education teacher my end result? No disrespect to those, but that seems so mandane, like there's more to lif than that. Am I lazy? Looking for a job is hard and waiting. That another story within itself. I guess I know the answer to my question, continue to look and apply to different jobs and that's the only way I will get another one. Can't expect one to fall in my lap.
Mid-life is serious especially when your learning and don't have a typical life. As always thank you for reading.
3210 is empty, thank you for that. There are a few things that need to be fixed and I'm going to get them fixed this week. I have to go to court to get the rest of the money they owe from 3210. That's a part of the job that I don't like.
The issues have been eating out, that is where majority of the spending is done. I'm trying to work on that. I had a large amount of money to come in from working the morning lab and Saturday School. Having a second job within the first one is good. Making sure I do right by the money is the whole thing.
There are doctors bills that I have and need to be paid so they don't end up on my credit report. Checked my credit score and they are awful, the only choice I have is to go up. Continue to pay off outstanding medical bills that are sitting and build credit. I have automatic draft for all bills except the water. Continue to save and put the money in the right place. Looking to get a secured loan on 1,000. What could I do with that money? Pay off a large bill, I did get settlements for a couple of them. Pay them off and not get anymore debt.
The whole purpose of this blog is for me to get out of debt and it seems I do while for a moment and something happens. I can't continue to sabatoge myself, that seems to be what I'm good at. Falling for the set up. The money that I'm spending on food could pay off a few bills. That money put it toward the debt. Instead of eating out, pay a bill.
Questioning do I want to continue to live here? A note was in my door, it was crazy. Trying to live her until 40, let's see how that goes. Can't continue to slight myself, I tend to be good at that. I don't know what my future plans are and that's the problem I'm having getting out of school. What do I do? Financial Aid is exhausted. Had to take out a personal loan for nothing because I haven't made any adequate gains. Feel like giving up, but I've come to far. What do I do with this degree? I don't know. What do I want to be when I grow up? I don't know. I've been teaching for 13 years, will I be a 50 year old business education teacher?
Where do I go from here? I love making candles and doing this real estate thing, they both bring me joy. Have a d r period, in the front of my name has always been a dream of mine. Will it be a dream deffered? At this point, my mind is tired of thinking about school. Once the decision is made there's no turning back.
Decisions that need to be made
What are my future plans? 3 years, 5 years, 10 years from now
Do I want to continue to stay here? For how long
What kind of career do I want?
How will I acquire more properties?
What do I see myself doing?
How can I bring more happiness into my life?
Put the main thing first.
Buckle down and do what's right
Let the new me come out
This year has been filled with experiences and things I will never forget. I have something that I am sitting on and I'm excited about it. First, I don't want to let it go. Do right by the money I have. All bills are paid and life is getting better. I'm learning about myself and realizing that everything is going to be alright. Make sure I do what's right and just and most of all put the money in the right place and don't blow it.
There's so much to say and I don't know where to start. My personality is different and overall, I try to stay out of everybodies way if I can. I have a spirit of expression. I don't try it just comes out, but I want people to see me. I said it, see me, here me, notice me, something. I've been told my spirit is free. I do want I want because that's what I want to do, not because this is what people are doing. I'm my own self. Right now, at a crossroads and don't know which way to go. I feel like I'm maturing in so many respects, well have matured. Things that many get upset about doesn't bother me. Why because life goes on. I learn, listen and move on.
Not knowing what's going on or having a plan has caused me to be in school for this long. No ultimate goal, well, that is to graduate, but no plan after graduation. Is being a middle school business education teacher my end result? No disrespect to those, but that seems so mandane, like there's more to lif than that. Am I lazy? Looking for a job is hard and waiting. That another story within itself. I guess I know the answer to my question, continue to look and apply to different jobs and that's the only way I will get another one. Can't expect one to fall in my lap.
Mid-life is serious especially when your learning and don't have a typical life. As always thank you for reading.
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